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Why Joann Employees Can Thrive in Retirement Without a Bucket List

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The first few years of retirement are frequently a time of transitions for many, including those leaving Joann. It is a critical period that can influence the next few decades financially and emotionally. At the age of sixty-six, Wall Street Journal distinguished editor Stephen Kreider Yoder announced his retirement. His wife, sixty-seven-year-old Karen Kreider Yoder, followed suit. Their experiences, highlighted in the 'Retirement Rookies' column each month, demonstrate a departure from conventional retirement preparation. They emphasize crafting adaptable, meaningful experiences that serve as a foundation for future undertakings over following predetermined bucket lists.


This approach to retirement highlights a larger movement among individuals reimagining their post-employment years. By focusing on personal development and continual exploration, retirees can ensure a fuller, more satisfying experience. This narrative offers invaluable insights for Joann employees looking to maximize their life-changing retirement years.

Recent studies by the American Psychological Association (APA) underline the advantages of the Yoders' method of unstructured retirement planning. The research indicates that retirees adhering rigidly to their pre-planned bucket lists report lower levels of satisfaction and fulfillment compared to those who engage in activities based on their own interests and whims. This suggests that a flexible retirement lifestyle can lead to more fulfilling and significant experiences, an important consideration as employees transition from structured careers to the freedom of retirement.


In the Retirement Rookies column, Stephen and Karen Kreider Yoder share their journeys and offer a fresh perspective on retirement planning. Learn why they're passing on typical bucket lists in favor of flexible, meaningful experiences, and how this strategy might enhance your post-work years at Joann. Discover how embracing an unstructured retirement can lead to increased contentment and pleasure, setting the stage for a rewarding future.

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Forgoing a conventional retirement plan is akin to sailing a ship without a defined course. Retirees like the Yoders choose to navigate the waters of their golden years with the liberty to uncover new horizons as they appear, rather than charting every port of call. This method, much like a sailor discovering new adventures in uncharted waters, allows them to encounter unexpected joys and experiences, enriching each day with personal growth and satisfaction.

What type of retirement plan does Joann offer to its employees?

Joann offers a 401(k) retirement savings plan to help employees save for their future.

How can Joann employees enroll in the 401(k) plan?

Joann employees can enroll in the 401(k) plan through the company’s HR portal or by contacting their HR representative for assistance.

Does Joann provide a matching contribution to the 401(k) plan?

Yes, Joann offers a matching contribution to the 401(k) plan, helping employees maximize their retirement savings.

What is the vesting schedule for Joann's 401(k) matching contributions?

The vesting schedule for Joann's 401(k) matching contributions typically follows a standard schedule, which employees can review in their plan documents.

Can Joann employees change their contribution percentage to the 401(k) plan?

Yes, Joann employees can change their contribution percentage at any time, subject to the plan's guidelines.

What investment options are available in Joann's 401(k) plan?

Joann's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

Is there a minimum contribution required for Joann employees to participate in the 401(k) plan?

Yes, Joann may have a minimum contribution requirement for employees to participate in the 401(k) plan, which is detailed in the plan documents.

Can Joann employees take loans against their 401(k) balance?

Yes, Joann allows employees to take loans against their 401(k) balance, subject to specific terms and conditions outlined in the plan.

What happens to Joann employees' 401(k) accounts if they leave the company?

If Joann employees leave the company, they have several options for their 401(k) accounts, including rolling over to another retirement account or cashing out, subject to tax implications.

How often can Joann employees access their 401(k) account statements?

Joann employees can access their 401(k) account statements quarterly through the plan's online portal.

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For more information you can reach the plan administrator for Joann at , ; or by calling them at .

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